Which car insurance companies only look back three years for claims and driving history?

Are there any companies that only look back one or two years? I know insurance companies use this data to calculate rates. My driving record has improved significantly in the past two years.

Answer provided by
Sophie Newman
Answered on Jul 20, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
Car insurance companies can access up to seven years of your claim history through a shared database, the Comprehensive Loss Underwriting Exchange (CLUE).
That said, not all companies will look back through seven years worth of claims.
Some insurance providers may only back three years, such as:
Certain state laws may also limit how far insurance companies can look back.”

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